Key Factors To Consider When Choosing a Waterfront Home

By The Hollinger Team

Diana, Kellie, Dane, Drew and I have over 85 years of experience in Montana real estate, specializing in waterfront properties. Let’s see what we can find for you.

The idea of waking up to sparkling water views is hard to resist. For many buyers, owning a home on the water feels like the ultimate lifestyle upgrade, like having peaceful mornings, easy access to the lake, and sunsets right outside your door. But before you get swept away by the view, it’s essential to understand that not all waterfront properties offer the same experience.

That’s where research comes in. The details behind water depth, dock rules, and shoreline regulations can make or break your investment. Knowing these factors early ensures you find a home that truly fits your lifestyle and avoids costly surprises down the road.

1. Water depth and access. Some waterfronts have deep water perfect for boating, while others are shallow or even seasonal. Understanding depth, clarity, and shoreline conditions helps ensure the property supports your recreational goals and long-term enjoyment.

2. Dock and structure regulations. Docks, lifts, and boathouses are often subject to strict local guidelines. Certain materials may be restricted, permits might be required, and seasonal removal rules can apply. Checking what’s allowed before you buy helps you avoid disappointment or expensive modifications later. 

3. Water rights and usage. Owning a waterfront lot doesn’t always guarantee full access to the water. Some areas have easements, shared use, or limits on activities such as swimming or mooring. Verifying water rights early prevents confusion and protects your future use.

4. Insurance and maintenance. Waterfront homes can face higher insurance premiums and maintenance demands. Flood coverage, wind protection, and exposure to humidity or storms all contribute to long-term costs. Being informed helps you plan realistically and maintain your investment.

5. Environmental and permitting rules. Wetlands, erosion zones, and vegetation protections often affect what you can do along the shore. Knowing these rules in advance ensures your vision for the property aligns with what’s legally allowed.

The best waterfront homes aren’t just about the view; they align with your lifestyle, your goals, and your long-term plans. If you’re considering a waterfront property, let’s talk. Schedule a call with me today, and we’ll review the shoreline, local regulations, and property details together so you can buy with clarity and confidence.